326 Seacliff Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 326 Seacliff Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,645 sqft · built 1979
Lot Size	0.067 acres (2,919 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,150,000 (Sep 2020)
Tax Bill	$15,602 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`038-184-16`

Property Details

APN / Parcel Number

Primary APN	`038-184-16`
Alternative APN	`038-184-16-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,645 sqft Living Area
Gross Area	2,005 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1990
Construction Type	Wood
Roof Material	Other
Lot Area	2,919 sqft (0.067 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Deck Area	156 sqft
Patio Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	326 SEACLIFF DR
City	APTOS
State	CA
Zip	95003-4331
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-4
Legal Subdivision	SEACLIFF PARK 02
Legal Lot Number	18
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1041
Census Tract	122100

Owner

Source: Santa Cruz County records, as of August 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	326 SEACLIFF DR, APTOS, CA 95003-4331
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
Aug 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage PRIMELENDING
Sep 22, 2020	Grant Deed, Transfer · Conventional Mortgage PRIMELENDING
Sep 16, 2020	Deed of Trust, Mortgage · Line of Credit ALLIANT CU
Mar 29, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2020 · Amount on Record
Deed Sale	Sep 22, 2020 · Amount on Record
Prior Sale	Jun 30, 1994 · Amount on Record
Deed Document Number	202037691
Prior Transfer Date	Mar 17, 1999
Prior Transfer Doc	0000032379
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	326 SEACLIFF DR, APTOS, CA 95003-4331
Transaction Type	Mortgage
Record Updated	Apr 6, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 SEACLIFF DR, APTOS, CA 95003-4331

Mortgage

Document Number	0000009480
Date	Mar 23, 2022
Instrument	2022-0009480

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	326 SEACLIFF DR, APTOS, CA 95003-4331
Transaction Type	Mortgage
Record Updated	Sep 23, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 SEACLIFF DR, APTOS, CA 95003-4331

Mortgage

Document Number	0000044810
Date	Aug 30, 2021
Instrument	2021-0044810

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 22, 2020
Property Address	326 SEACLIFF DR, APTOS, CA 95003-4331
Document Number	0000037691
Map Reference	MB 18 PG 54
Instrument Date	Sep 18, 2020
Instrument	2020-0037691
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	326 SEACLIFF DR, APTOS, CA 95003-4331

Mortgage

Document Number	0000037692
Date	Sep 22, 2020
Instrument	2020-0037692

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Mortgage

Document Number	0000037693
Date	Sep 22, 2020
Instrument	2020-0037693

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 21, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	326 SEACLIFF DR, APTOS, CA 95003-4331
Document Number	0000037693
Instrument Date	Sep 16, 2020
Transaction Type	Mortgage
Record Updated	Oct 7, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1765 PILGRIM AVE MOUNTAIN VIEW CA 940402363, MOUNTAIN VIEW, CA 94040-2363

Mortgage

Document Number	0000037693
Date	Sep 22, 2020
Instrument	37693

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 21, 2050

Interest

Rate Type	Adjustable Rate

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 29, 2017
Property Address	326 SEACLIFF DR, APTOS, CA 95003-4331
Document Number	0000010610
Instrument Date	Mar 7, 2017
Instrument	10610
Transaction Type	Transfer
Record Updated	Apr 12, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2061 AVY AVE #1ST MENLO PARK CA 940256053, 1ST, MENLO PARK, CA 94025-6053

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Unified School District	Pajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,269,692 (+2%) Land $914,178 Building $355,514
2025	$15,602.00 (+9.83%) Homeowner's exemption	$1,244,798 (+4.04%) Land $896,254 Building $348,544
2023	$14,206.00 (+2.11%) Homeowner's exemption	$1,196,460 Land $861,452 Building $335,008	$1,238,220
2022	$13,913.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 23 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	12 (1982–2023)
Claims Outside the SFHA	1 of 12
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 6 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOQUEL CREEK WATER DISTRICT serves 40,962 people · EPA ID CA4410017
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 514 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Cruzio, GeoLinks, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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